<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 15,551 <INT-BEARING-DEPOSITS> 5,462 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,277 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 573,706 <ALLOWANCE> 3,182 <TOTAL-ASSETS> 646,601 <DEPOSITS> 471,575 <SHORT-TERM> 11,941 <LIABILITIES-OTHER> 4,579 <LONG-TERM> 101,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 45 <OTHER-SE> 57,461 <TOTAL-LIABILITIES-AND-EQUITY> 646,601 <INTEREST-LOAN> 21,310 <INTEREST-INVEST> 1,131 <INTEREST-OTHER> 541 <INTEREST-TOTAL> 22,982 <INTEREST-DEPOSIT> 10,384 <INTEREST-EXPENSE> 13,411 <INTEREST-INCOME-NET> 9,571 <LOAN-LOSSES> 460 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,547 <INCOME-PRETAX> 4,410 <INCOME-PRE-EXTRAORDINARY> 2,694 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,694 <EPS-BASIC> .76 <EPS-DILUTED> .74 <YIELD-ACTUAL> 3.28 <LOANS-NON> 2,421 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,811 <CHARGE-OFFS> 95 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 3,182 <ALLOWANCE-DOMESTIC> 3,182 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0